Fusco Orsini & Associates Insurance Services
8880 Rio San Diego, Suite 725, San Diego, CA 92108
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8880 Rio San Diego, Suite 725, San Diego, CA 92108
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5095 Murphy Canyon Rd, Ste 200, San Diego, CA 92123
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8880 Rio San Diego Dr, Suite 725, San Diego, CA 92108
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11440 W Bernardo Ct, #161, San Diego, CA 92127
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777 Broadway Ave, San Diego, CA 92101
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9765 Marconi Dr, STE 105, San Diego, CA 92154
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9265 Marconi Dr, Ste. 105, San Diego, CA 92154
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2150 Chatsworth Blvd, San Diego, CA 92107
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3033 5th Avenue, Suite 325, San Diego, CA 92103
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3914 Murphy Canyon Rd, Ste A236, San Diego, CA 92123
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Learn about insurance coverage options specific to San Diego residents.
San Diego home insurance averages $1,714/year with 27% YoY increase. Learn why East County pays more, how brush clearance saves money, and coverage options.
Home InsuranceSan Diego home insurance averages $1,714/year in 2025. Learn about wildfire risks, earthquake coverage gaps, coastal erosion, and how to save on premiums.
Home InsuranceSan Diego wildfire insurance guide: FAIR Plan options, defensible space requirements, and how to get coverage after Cedar Fire and Witch Creek events.
Home InsuranceEarthquake insurance in San Diego protects against Rose Canyon fault risk. Learn CEA coverage options, costs ($2,100-$2,300/year), and liquefaction zones.
Car InsuranceSan Diego drivers pay $2,355/year on average for auto insurance. Learn about military discounts, coastal vs inland rates, and cross-border coverage.
General Insurance EducationNavigate San Diego's unique insurance needs: 2025 auto requirements, earthquake coverage, wildfire challenges, and Prop 103 benefits. Get expert guidance.
San Diego homeowners saw an average 27% rate increase in 2024, driven primarily by increased wildfire risk and insurance company losses across California. If you're in East County or other fire-prone areas, your increase may be even higher due to proximity to wildfire zones. Nearly 750,000 properties in San Diego County faced higher premiums or non-renewals in 2023 because of extreme weather threats.
No, earthquake damage is not covered by standard homeowners insurance policies in California. You need to purchase a separate earthquake policy or add an endorsement to your existing policy. Given San Diego's proximity to several fault lines, this additional coverage is worth considering to protect against seismic damage.
California FAIR Plan is the state's insurer of last resort for homeowners who can't get coverage from traditional insurance companies, typically due to high wildfire risk. While it provides essential coverage, FAIR Plan policies usually cost more and offer less comprehensive protection than standard policies. You might need it if you live in a high-risk area and traditional carriers have declined to insure your property.
If you're insured through California FAIR Plan, you can receive up to 16% in premium discounts by implementing wildfire mitigation measures like maintaining 100 feet of defensible space, removing roof debris, and eliminating combustible materials within 5 feet of your home. Simply living in a designated Fire Risk Reduction Community can earn you up to 4% off. Contact your insurance agent for the attestation form to claim these discounts.
Not necessarily. While coastal properties have unique risks like flooding and erosion, the biggest rate driver in San Diego right now is wildfire proximity. An inland home in a fire-prone area can pay significantly more than a coastal property. Your specific rate depends on your property's wildfire exposure, home age and construction, rebuilding costs, and whether you're in a flood zone requiring separate flood insurance.
First, don't panic—you have options. Start shopping immediately with an independent insurance agent who knows the San Diego market and can check multiple carriers. If traditional insurance isn't available, you may need to use California FAIR Plan as a temporary solution. Implement defensible space measures and home hardening to make your property more insurable, and document all mitigation work to qualify for discounts and potentially attract a traditional carrier in the future.
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